Declan Maher Financial Services Ltd is committed to respecting and protecting your privacy and would like you to feel safe when you give us your personal details. We will always clearly identify ourselves in correspondence and on our website.

It is the intention of this privacy statement to be transparent and explain to you the practices of Declan Maher Financial Services Ltd in relation to the information we collect about you and other users. This Privacy Notice will inform you of the information we gather and how it is used. Declan Maher Financial Services Ltd maintains the same privacy practices with respect to data that is collected off-line and on-line and this notice also covers both those methods of data collection and use.  Declan Maher Financial Services Ltd complies with EU General Data Protection Regulation (GDPR) for the collection, use, and retention of all personal data. Our Data Privacy Policy is available on request.

For the purposes of the GDPR the data controller is:

• Declan Maher Financial Services Ltd, 1A Liberty Square, Thurles, Co Tipperary

Please read this Statement carefully as this sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.

About Us:  Declan Maher Financial Services Ltd. We are located at 1A Liberty Square, Thurles, Co. Tipperary.  We can be contacted on 0504 95340 or by email info@declanmaherfs.ie. Our principal business is to provide advice and arrange transactions on behalf of clients in relation to life, pensions, savings & Investment products, and mortgages. To provide you with relevant information and respond to your requests, we sometimes request that you provide us with information about yourself.

What information we gather:  In general, you may visit our website without identifying yourself or revealing any personal information.  We use Google Analytics to collect anonymised tracking data including the pages you have visited, the amount of time spent on each page, the website you have come from before visiting this website, your location (country and/or region) and other non-personal information. We do not collect any Personally Identifiable Information. If you would like to opt out of having your anonymous usage data tracked you may do so by clicking this button

Some portions of this website may request that you give us information about yourself, from which we are able to identify you, such as your name, email or other address. Some of the ways in which we may collect information from you are:

• Subscription to newsletters or other Declan Maher Financial Services Ltd content-related correspondence e.g. Event registrations for seminars, conferences, etc.
• White paper or other downloads

Use of the information we gather:  When we collect information about you, we intend to tell you why we are asking for the information and what we intend to do with it. You will have the option of not providing the information, in which case you may still be able to access other parts of this website, although you may not be able to access certain services. In certain areas of our website, we may, where appropriate, enable you to ‘opt in’ to certain uses of your information e.g. direct marketing. Data will not be held for longer than is necessary. General client details will be held while you are a customer and will be retained for a period of 6 years after the relationship is terminated in line with CPC (Consumer Protection Code) Legislation.

The information we collect about you or your computer is used to run the website, respond to your requests or process any transactions you have requested. It may also be used to verify your identity, send you information or contact you in relation to a Declan Maher Financial Services Ltd product or service that you are using or that we believe may be of interest to you after you have chosen to ‘Opt in’.

Sharing information with third parties: In certain instances, we may make your information available to third parties with whom we have a relationship where that third party is providing services on our behalf. We will only provide those third parties with information that is necessary for them to perform the services and we take measures to protect your information.

The information we collect may be used, stored and processed in the EU, UK or in any other country in which Declan Maher Financial Services Ltd does business. By providing the information via the website, you are consenting to the transfer of the information outside of your country to any country (including countries which may not have adequate levels of protection).

Declan Maher Financial Services Ltd may disclose information it has collected about you on the website if required to do so by law or when necessary to protect the rights of Declan Maher Financial Services Ltd or its employees.

Data security: Declan Maher Financial Services Ltd’s intent is to strictly protect the security of your personal information; honour your choice for its intended use; and carefully protect your data from loss, misuse, unauthorised access or disclosure, alteration or destruction. We have taken appropriate steps to safeguard and secure information we collect online, including the use of encryption when collecting or transferring sensitive data such as credit card information.

However, you should always take into consideration that the internet is an open forum and that data may flow across networks with little or no security measures, and therefore such information may be accessed by people other than those you intended to access it.

How to update and/or amend the personal information you have provided: You are entitled to know whether we hold information about you and, if we do (subject to certain limitations), to have access to that information and have it corrected if it is inaccurate or out of date. To exercise your Right of Access or to update your details under your Right of Rectification or Erasure please email your request to the contact address below with proof of identity.

Business Relationships: This website contains links to other websites. Declan Maher Financial Services Ltd is not responsible for the privacy practices or the content of such websites.  Declan Maher Financial Services Ltd uses pixels, transparent GIF files and other methods to help manage online advertising.

Contacting Us: If you have any questions or comments about our privacy notice or practices, please contact us.  Declan Maher Financial Services Ltd may modify or update this privacy notice from time to time.  When such a change is made, we will post a revised version online.  Changes will be effective from the point at which they are posted.  It is your responsibility to review this privacy policy periodically so you are aware of any changes.  By using our services you agree to this privacy policy.

Email: info@declanmaherfinancialservices.ie

This privacy policy was last reviewed in September 2021

Why do Declan Maher Financial Services Ltd need to collect and store personal data?

In order for us to provide you with Advice regarding Life/Serious Illness/Income Protection Cover we need to collect personal data from you in order to provide you with quotations comparing premiums and covers from our business partners i.e. Friends First, Irish Life, Zurich, New Ireland, Aviva & Royal London. In any event, we are committed to ensuring that the information we collect and use is appropriate for this purpose, and does not constitute an invasion of your privacy. In terms of being contacted for marketing purposes Declan Maher Financial Services Ltd would contact you for additional consent.

How will Declan Maher Financial Services Ltd use the personal data it collects about me?

Declan Maher Financial Services Ltd will process (collect, store and use) the information you provide in a manner compatible with the EU’s General Data Protection Regulation (GDPR). We will endeavour to keep your information accurate and up to date, and not keep it for longer than is necessary. Declan Maher Financial Services Ltd is required to retain information in accordance with the law, such as information needed for income tax and audit purposes. How long certain kinds of personal data should be kept may also be governed by specific business-sector requirements and agreed practices. Personal data may be held in addition to these periods depending on individual business needs.

Under what circumstances will Declan Maher Financial Services Ltd contact me?

Our aim is not to be intrusive, and we undertake not to ask irrelevant or unnecessary questions. Moreover, the information you provide will be subject to rigorous measures and procedures to minimise the risk of unauthorised access or disclosure.

Why we are processing your data? Our legal basis.

Our reason and purpose for processing your personal data is:

• We have your consent
• We need to process your data to complete the performance of a contract where you, the data subject, is a party.
• legal obligation that needs to be met
• protect the vital interests of the data subject, including the protection of rights and freedoms
• processing that is in the public interest
• necessary for the legitimate interests of the data controller or third party, unless the processing is overridden by the vital interests, including rights and freedoms
• national law

Data Subjects Rights:

We, Declan Maher Financial Services Ltd facilitate the data subject’s rights in line with the data protection policy and the subject access request procedure. This is available on request.

Your rights as a data subject

At any point while we are in possession of or processing your personal data, you, the data subject, have the following rights:

• Right of access – you have the right to request a copy of the information that we hold about you.
• Right of rectification – you have a right to correct data that we hold about you that is inaccurate or incomplete.
• Right to be forgotten – in certain circumstances you can ask for the data we hold about you to be erased from our records.
• Right to restriction of processing – where certain conditions apply to have a right to restrict the processing.
• Right of portability – you have the right to have the data we hold about you transferred to another organisation.
• Right to object – you have the right to object to certain types of processing such as direct marketing.
• Right to object to automated processing, including profiling – you also have the right to be subject to the legal effects of automated processing or profiling.
• Right to judicial review: in the event that Declan Maher Financial Services Ltd refuses your request under rights of access, we will provide you with a reason as to why. You have the right to complain as outlined below.

All of the above requests will be forwarded on should there be a third party involved, as we have indicated, in the processing of your personal data.

Additional information we are providing you with is to ensure we are transparent and fair with our processing.

Retention of your personal data

Data will not be held for longer than is necessary for the purpose(s) for which they were obtained. Declan Maher Financial Services Ltd will process personal data in accordance with our retention schedule. This retention schedule has been governed by our regulatory body, The Central Bank of Ireland. All Personal data will be destroyed/shredded 6 years after the termination of our clients last policy in line with CPC regulations.

Withdraw Consent

If we are relying on your consent to process your data you can withdraw this at any time – this does not affect the lawfulness of processing based on your consent before its withdrawal.

Complaints

In the event that you wish to make a complaint about how your personal data is being processed by Declan Maher Financial Services Ltd, or how your complaint has been handled, you have the right to lodge a complaint directly with the supervisory authority and Declan Maher Financial Services Ltd.

Failure to provide further information if needed

If we are collecting your data to fulfil a contract (life policy, pension plan or investment policy) and you cannot provide this data the consequences of this could mean the contract cannot be completed or details are incorrect.

If we have received your personal data from another source

Declan Maher Financial Services Ltd may occasionally collect your personal data from one of our Business partners after having received a signed Letter of Authority from the Data subject.

In this case, Declan Maher Financial Services Ltd is committed to protecting and respecting your privacy.

It is the intention of this privacy statement (“Privacy Statement”) to explain to you the information practices of Declan Maher Financial Services Ltd in relation to the information we collect about you and other users.